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It's like a cloud has lifted. Thanks for that, you have explained it well.

Hi Guy's I'm a complete novice at this but I've kind of got my head around the concept EXCEPT.... If you buy a property for $200k and in 10 years its worth $400k .... A) How do you draw down the excess, do you use a line of credit? or refinance a loan? B) If you do how do you service...